The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$11,068
−HK$695/mo
▼ 0.25% · 3.875%
HK$11,413
−HK$350/mo
Today · 4.125%
HK$11,763
baseline
▲ 0.50% · 4.625%
HK$12,478
+HK$715/mo
Deposit HK$2.43M · loan HK$2.43M · min. income ≈ HK$23,526/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$102,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,314
−HK$665/mo
▼ 0.25% · 3.875%
HK$12,644
−HK$335/mo
Today · 4.125%
HK$12,979
baseline
▲ 0.50% · 4.625%
HK$13,663
+HK$684/mo
Deposit HK$2.43M · loan HK$2.43M · min. income ≈ HK$25,958/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$102,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,282
−HK$833/mo
▼ 0.25% · 3.875%
HK$13,695
−HK$420/mo
Today · 4.125%
HK$14,115
baseline
▲ 0.50% · 4.625%
HK$14,974
+HK$859/mo
Deposit HK$1.94M · loan HK$2.91M · min. income ≈ HK$28,230/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$102,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,776
−HK$799/mo
▼ 0.25% · 3.875%
HK$15,173
−HK$402/mo
Today · 4.125%
HK$15,575
baseline
▲ 0.50% · 4.625%
HK$16,396
+HK$821/mo
Deposit HK$1.94M · loan HK$2.91M · min. income ≈ HK$31,150/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$102,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,496
−HK$972/mo
▼ 0.25% · 3.875%
HK$15,978
−HK$490/mo
Today · 4.125%
HK$16,468
baseline
▲ 0.50% · 4.625%
HK$17,470
+HK$1,002/mo
Deposit HK$1.46M · loan HK$3.40M · min. income ≈ HK$32,936/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$102,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,239
−HK$931/mo
▼ 0.25% · 3.875%
HK$17,701
−HK$469/mo
Today · 4.125%
HK$18,170
baseline
▲ 0.50% · 4.625%
HK$19,128
+HK$958/mo
Deposit HK$1.46M · loan HK$3.40M · min. income ≈ HK$36,340/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$102,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,923
−HK$1,250/mo
▼ 0.25% · 3.875%
HK$20,543
−HK$630/mo
Today · 4.125%
HK$21,173
baseline
▲ 0.50% · 4.625%
HK$22,461
+HK$1,288/mo
Deposit HK$485K · loan HK$4.37M · min. income ≈ HK$42,346/mo (50% DSR)
Upfront cash ≈ HK$588K (deposit + AVD stamp duty HK$102,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,164
−HK$1,198/mo
▼ 0.25% · 3.875%
HK$22,759
−HK$603/mo
Today · 4.125%
HK$23,362
baseline
▲ 0.50% · 4.625%
HK$24,593
+HK$1,231/mo
Deposit HK$485K · loan HK$4.37M · min. income ≈ HK$46,724/mo (50% DSR)
Upfront cash ≈ HK$588K (deposit + AVD stamp duty HK$102,905 · Scale 2, in force from 26 Feb 2026)
Up to 90% LTV is available for self-use properties at HK$10M or below under the Mortgage Insurance Programme (first-time buyers).